Mortgage broker in Vero Beach, FL — jumbo, conventional, and second-home financing.
Vero Beach is the Treasure Coast's premier affluent market, known for its barrier island beaches, citrus groves, and country club communities. Indian River County attracts retirees and second-home buyers from the Northeast and Midwest, with a mix of oceanfront condos, waterfront estates, and golf communities.
Top Loan Programs in Vero Beach
Conventional and jumbo dominate this affluent market. Strong second-home and snowbird financing. DSCR investment property loans for vacation rental and seasonal markets.
Compare loan options
Side-by-side breakdowns for the programs Vero Beach buyers weigh most often.
- FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
- VA vs. FHA →Two low-down-payment options — which one costs less.
Buying in Vero Beach from Out of State?
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
Popular Vero Beach Neighborhoods
Vero Beach barrier island, Grand Harbor, Windsor, Orchid Island, Sebastian
Frequently Asked Questions
What are the 2026 loan limits in Indian River County, FL?+
The 2026 conforming loan limit in Indian River County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
What down payment do I need to buy in Vero Beach, FL?+
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Can I get a mortgage in Vero Beach if I live in Colorado?+
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Does Tayton Capital do DSCR loans in Vero Beach?+
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Vero Beach with a minimum 20–25% down payment.
Ready to buy in Vero Beach?
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Indian River County.
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